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Financial Statements for the Year Ended 31 December 2018

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Financial Statements for the Year Ended 31 December 2018 FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2018 accounting and, based on the audit evidence obtained, whether a material uncertainty 2018 2017 Bangladesh Branches exists related to events or conditions that may cast significant doubt on the Bank’s Notes BDT BDT ability to continue as a going concern. If we conclude that a material uncertainty exists, we are required to draw attention in our auditor’s report to the related disclosures in the Money at call on short notice 7 - 1,310,000,000 Independent Auditor's Report to the Management of financial statements or, if such disclosures are inadequate, to modify our opinion. Our The Hongkong and Shanghai Banking Corporation Limited conclusions are based on the audit evidence obtained up to the date of our auditor’s Investments 8 Bangladesh Branches report. However, future events or conditions may cause the Bank to cease to continue Government securities 28,492,063,133 31,404,926,775 as a going concern. Others 6,000,000 6,000,000 28,498,063,133 31,410,926,775 Report on the Audit of the Financial Statements Evaluate the overall presentation, structure and content of the financial statements, Loans and advances 9 including the disclosures, and whether the financial statements represent the underlying Loans, cash credits, overdrafts etc. 82,051,052,546 67,907,720,280 Opinion transactions and events in a manner that achieves fair presentation. Bills purchased and discounted 1,194,585,309 333,554,131 We have audited the financial statements of The Hongkong and Shanghai Banking 83,245,637,855 68,241,274,411 Corporation Limited (HSBC), Bangladesh Branches (the “Bank”) which comprise Report on Other Legal and Regulatory Requirements the balance sheet as at 31 December 2018 and profit and loss account, cash flow In accordance with the Companies Act, 1994, the Bank Company Act, 1991 and the Fixed assets including premises, furniture and fixtures 10 292,843,266 333,843,489 statement and statement of changes in equity for the year then ended, and a summary rules and regulations issued by Bangladesh Bank, we also report that: of significant accounting policies, other explanatory notes and annexures thereto. Other assets 11 5,187,906,865 9,042,736,202 (i) we have obtained all the information and explanations which to the best of our In our opinion, the accompanying financial statements of the Bank give a true and fair knowledge and belief were necessary for the purpose of our audit and made due Non - banking assets - - view of the financial position of the Bank as at 31 December 2018, and of its financial verification thereof; performance and its cash flows for the year then ended in accordance with International Total assets 167,781,627,571 140,808,972,270 Financial Reporting Standards (IFRSs) as explained in note 3. (ii) to the extent noted during the course of our audit work performed on the basis stated under the Auditor’s Responsibility section in forming the above opinion on the financial statements and considering the reports of the Management to Bangladesh Bank on Basis for Opinion LIABILITIES AND CAPITAL We conducted our audit in accordance with International Standards on Auditing anti-fraud internal controls and instances of fraud and forgeries as stated under the (ISAs). Our responsibilities under those standards are further described in the Auditors’ Management’s Responsibility for the financial statements and internal control: Liabilities Responsibilities for the Audit of the Financial Statements section of our report. We a) internal audit, internal control and risk management arrangements of the Bank as are independent of the Bank in accordance with the International Ethics Standards disclosed in the financial statements appeared to be materially adequate; Borrowings from other banks, financial Board for Accountants’ Code of Ethics for Professional Accountants (IESBA Code) and institutions and agents 12 9,259,657,680 6,252,156,882 requirements of Bangladesh Bank, and we have fulfilled our other ethical responsibilities b) nothing has come to our attention regarding material instances of forgery or in accordance with the IESBA Code and the Institute of Chartered Accountants of irregularity or administrative error and exception or anything detrimental committed Deposits and other accounts 13 Bangladesh (ICAB) Bye-laws. We believe that the audit evidence we have obtained is by employees of the Bank; sucient and appropriate to provide a basis for our opinion. (iii) in our opinion, proper books of account as required by law have been kept by the Current accounts and other accounts 39,874,092,710 40,933,496,924 Bank so far as it appeared from our examination of those books; Bills payable 2,455,678,768 1,983,907,500 Responsibilities of Management and Those Charged with Governance Saving deposits 19,871,514,757 12,396,346,924 for the Financial Statements and Internal Controls (iv) the records and statements submitted by the branches have been properly Term deposits 55,619,240,613 42,515,902,125 maintained and consolidated in the financial statements; 117,820,526,848 97,829,653,473 Management is responsible for the preparation and fair presentation of the financial (v) the balance sheet and profit and loss account together with the annexed notes dealt statements of the Bank in accordance with IFRSs as explained in note 3, and for such Other liabilities 14 9,994,651,202 7,445,495,927 internal control as management determines is necessary to enable the preparation with by the report are in agreement with the books of account and returns; Total liabilities 137,074,835,730 111,527,306,282 of financial statements that are free from material misstatement, whether due to fraud (vi) the expenditures incurred were for the purpose of the Bank’s business for the year; or error. The Bank Company Act, 1991 and the Bangladesh Bank Regulations require the Capital/shareholders' equity Management to ensure eective internal audit, internal control and risk management (vii) the financial statements have been drawn up in conformity with prevailing rules, Fund deposited with Bangladesh Bank 15 3,099,690,272 3,072,581,767 functions of the Bank. The Management is also required to make a self-assessment regulations and accounting standards as well as related guidance issued by Bangladesh Other reserves 16 (51,848,810) (126,773,148) on the eectiveness of anti-fraud internal controls and report to Bangladesh Bank on Bank; Profit and loss account 17 27,658,950,379 26,335,857,369 instances of fraud and forgeries. (viii) adequate provisions have been made for loans and advances and other assets Total shareholders' equity 30,706,791,841 29,281,665,988 Total liabilities and shareholders' equity 167,781,627,571 140,808,972,270 In preparing the financial statements, management is responsible for assessing the which are in our opinion, doubtful of recovery; Bank’s ability to continue as a going concern, disclosing, as applicable, matters related (ix) the information and explanations required by us have been received and found OFF BALANCE SHEET ITEMS to going concern and using the going concern basis of accounting unless management satisfactory; either intends to liquidate the Bank or to cease operations, or has no realistic alternative Contingent liabilities 18 (x) we have reviewed over 80% of the risk weighted assets of the Bank and spent over but to do so. Those charged with governance are responsible for overseeing the Bank’s Acceptances and endorsements 87,675,262,477 71,300,858,731 financial reporting process. 2,280 person hours; and Letters of guarantee 56,719,420,056 30,143,609,594 (xi) Capital to Risk-weighted Asset Ratio (CRAR) as required by Bangladesh Bank has Irrevocable letters of credit 65,888,926,453 74,176,407,128 Auditor’s Responsibilities for the Audit of the Financial Statements been maintained adequately during the year. Foreign exchange contracts - Spot and Forward 5,094,357,828 3,357,031,546 Our objectives are to obtain reasonable assurance about whether the financial Total 215,377,966,814 178,977,906,999 statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor’s report that includes our opinion. Reasonable assurance is Other Commitments a high level of assurance, but is not a guarantee that an audit conducted in accordance Hoda Vasi Chowdhury & Co with ISAs will always detect a material misstatement when it exists. Misstatements can Documentary credits and short term trade-related transactions - - Dhaka, 18 February 2019 Chartered Accountants arise from fraud or error and are considered material if, individually or in the aggregate, Forward assets purchased and forward deposits placed - - they could reasonably be expected to influence the economic decisions of users taken Un-drawn note issuance and revolving undertaking facilities - - on the basis of these financial statements. Balance Sheet Un-drawn formal standby facilities, credit lines and other commitments - - Total - - As part of an audit in accordance with ISAs, we exercise professional judgement and as at 31 December 2018 Total o balance sheet items 215,377,966,814 178,977,906,999 maintain professional skepticism throughout the audit. We also: 2018 2017 The annexed notes 1 to 36 form an integral part of these financial statements. Identify and assess the risks of material misstatement of the financial statements, PROPERTY AND ASSETS Notes BDT BDT whether due to fraud or error, design and perform audit procedures responsive to those risks, and obtain audit evidence that is sucient and appropriate to provide Cash 5 a basis for our opinion. The risk of not detecting a material misstatement resulting In hand (including foreign currencies) 1,591,297,506 1,456,916,855 Francois de Maricourt Farhanul Gani Choudhury from fraud is higher than for one resulting from error, as fraud may involve collusion, With Bangladesh Bank and its agent bank(s) Chief Executive Ocer, Bangladesh Chief Financial Ocer, Bangladesh forgery, intentional omissions, misrepresentations, or the override of internal control.
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